To make this important point: You and I benefit from simulations because we test our asset allocation formula and our spending plan together. We not only want an asset allocation and spending plan that stands up reasonably well in a financial storm, we want an asset allocation and spending plan that helps us avoid freaking out at the worst possible moment.

The United States Centers for Disease Control and Prevention (CDC) recommend that the average homeowner should store at least three to five days of water and three days of food in case of an emergency or natural disaster. However, assembling an emergency kit, especially if you’re not entirely clear on what to purchase, can be a challenge. Wise Food Storage, thankfully, offers a line of emergency kits for the home and the car that are perfect for surviving emergency situations. Wise Food Storage specializes in preparing long-term, ready-made emergency meals and snacks. From freeze dried meats to dehydrated vegetables, Wise Food Storage carries a number of easy-to-prepare food items that prepared to last for years. Many of the food items are stored in specially designed pouches and extra-durable buckets that effectively seal out moisture and heat—in fact, when stored correctly in a dark, cool environment, Wise Food Storage meals and snacks can last for decades. Wise Food Storage offers a number of different emergency kits to meet a variety of different needs, including a five-day, one-person emergency kit as well as a survival kit that can meet the needs of six people for five days. The five-day kit for a family of six features nearly everything a person could need to survive during an emergency event, including 32 gourmet, ready-made, long-term entrees, water, a stove, cups, flashlights, first aid kits, blankets, matches, playing cards, and five extra-rugged backpacks. Wise Food Storage also offers emergency kits for particular needs or situations, as well. For example, the hunting survival kit features everything an outdoors enthusiast may need to survive in the woods, including an emergency sleeping bag, waterproof matches, an emergency candle, rope, a shovel, a first aid kits and a 4-in-1 flashlight. Wise Food Storage also carries a car emergency kit, which features jumper cables, robe, a first aid kit, duct tape, a survival whistle and a emergency blanket. By storing a few basic supplies in your home or car, you can ensure that you and your loved ones will remain safe and healthy in the event of a natural disaster or unforeseen situation.

The federal government is concerned, too. An October 2017 House hearing on the EMP threat noted that The Great Northeast Blackout of 2003 plunged 50 million Americans into darkness for a day, contributed to 11 deaths, and cost the country $6 billion, all because a powerline near Cleveland zapped a tree branch that damaged 0.00001 percent of the grid. In 2012, a high-voltage powerline failure caused the world’s biggest blackout, plunging 670 million Indians into darkness.
Don’t forget spices and nutritional supplements. Yes, you can plan a well-balanced diet with prepared foods, but not everyone has the same taste. Spices and herbs allow you to change up the flavor of the same basic ingredients for variety and interest. Vitamins and supplements are an important addition to your emergency supply stash. Choose nutrition bars, protein powder, or multivitamin capsules that support nutrition and boost natural immunity.
More specifically, we want to avoid allocating our savings so heavily to any particular asset class (like U.S. stocks) that a really bad bear market in that asset class destroys our portfolio returns. And ideally we want to spread our savings around into different asset classes (like maybe developed market foreign stocks or US Treasury bonds) so if one asset class’s value zigs, another asset class’s value zags.

Car electricity runs on direct current, but almost everything else is alternating current. What you need: an inverter. Some cars have them built in, but you can get one at a store for less than $40. Use the clamps to attach the inverter directly to the terminals on your car battery. Let the car run at idle and you have 110-volt AC power for as long as you have gas. With a 300-watt inverter, you'll have enough amps to run a laptop or even a television.